“The first phase is building agent networks which is good but that’s not the goal,” CEO Adejana said to TechCrunch. “Just in the same way mobile inclusion happened, you need to then focus on acquiring customers who, after transferring cash to their mobile accounts, use it to buy airtime or make payments. We call that the three-phase process. The distribution first, then focusing on the consumer, after that full digitization. This is how we reach financial inclusion.”

https://techcrunch.com/2021/03/24/nigerian-fintech-of-the-unbanked-bankly-raises-2m-led-by-vault-and-flutterwave/